Lower Your 2003 Chevrolet S-10 Blazer Insurance Quotes

Looking for better insurance rates for your Chevrolet S-10 Blazer? Finding better insurance prices for a Chevy S-10 Blazer can turn out to be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to buy insurance and we’ll show you the proper way to get price quotes for a new or used Chevy and obtain the lowest price.

It’s a good habit to shop coverage around yearly since rates change regularly. If you had the best price on S-10 Blazer coverage six months ago a different company probably has better rates today. Starting now, forget all the misinformation about insurance because I’m going to teach you one of the quickest ways to properly buy coverages and cut your premium.

Comprehensive Car Insurance Comparison Quotes

All major car insurance companies like Allstate and Progressive give price estimates on the web. Obtaining pricing is pretty painless as you just type in the coverage amounts you desire as requested by the quote form. After you complete the form, the system gets information on your driving record and credit history and gives you a price quote based on many factors.

Online quotes helps simplify price comparisons, but the time required to go to many different websites and type in the same information gets old quite quickly. But it’s very important to compare as many rates as possible in order to get the lowest possible prices on car insurance.

There is a better way!

The quickest way to find lower prices uses one form that gets price quotes from more than one company. It saves time, eliminates form submissions, and makes comparison shopping a little more enjoyable. As soon as you send your information, it is quoted and you are able to buy your choice of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

To quickly compare rates using this form now, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you copy coverages and limits exactly as they are listed on your policy. This makes sure you will be getting an apples-to-apples comparison using the same coverage and limits.

Do you qualify for discounts?

Companies do not advertise all their discounts very clearly, so we break down some of the best known and the more hidden savings tricks you should be using. If you’re not getting every credit you qualify for, you are throwing money away.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Low Mileage Discounts – Fewer annual miles on your Chevy can qualify you for discounted rates on garaged vehicles.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.

Drivers should understand that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

Insurance companies that may offer these benefits include:

It’s a good idea to ask every prospective company how you can save money. Some discounts might not apply in your area.

Parts of the Chevy S-10 Blazer rate equation

Consumers need to have an understanding of some of the elements that play a part in calculating your insurance rates. Understanding what determines base rates enables informed choices that may reward you with much lower annual insurance costs.

  • Claim-free discounts can add up – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies provide better rates to drivers who file claims infrequently. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Lower deductibles cost more – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Chevy. Examples of covered claims are a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay before a claim is paid by your company. The higher the amount you’re willing to pay, the bigger discount you will receive on S-10 Blazer coverage.
  • Your age impacts your rates – Older insureds are more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are statistically proven to be more careless when behind the wheel therefore insurance rates are much higher.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse will be a sure-fire way to bump up your insurance costs. And not only will insurance be more expensive, getting caught without coverage will get you a revoked license or a big fine.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions could help you determine if you may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • What is no-fault insurance?
  • Do I need replacement cost coverage?
  • Are rock chip repairs covered?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when delivering products for my home-based business?
  • Do I have coverage when using my vehicle for my home business?
  • What discounts do I qualify for?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance – Liability coverage can cover damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like loss of income, court costs, repair costs for stationary objects, legal defense fees and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy S-10 Blazer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, hitting a deer, a tree branch falling on your vehicle, theft and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision insurance covers damage to your S-10 Blazer resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, backing into a parked car, crashing into a ditch, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for expenses such as prosthetic devices, ambulance fees, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Shop smart and save

You just read a lot of techniques to save on 2003 Chevy S-10 Blazer insurance. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the lowest priced auto insurance comes from an unexpected company.

Lower-priced insurance is available from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where someone dropped comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price.

More information is available on the following sites: